Detailed information about fees
Surely you are interested in how much and what kind of fees you pay for a payment card transaction.
For the fee we offer, we use the MIF ++ scheme, which is based on the regulation of the European Parliament and the Council from 2015 and is mandatory for all payment solution providers. The advantage of this type of billing is its transparency and fairness.
An amount consisting of three parts is deducted from each transaction that the customer pays for you via the payment terminal.
Transaction processing fee
Sometimes this fee is called ACQ fee (Acquirer fee)
hence the Dotypay fee
Fee to the issuing bank
This fee is sometimes called the Interchange Fee. For example, if you have a payment card from a domestic bank, the bank that gave you the card will receive this fee.
More information
This fee is partially regulated for private cards up to a maximum of 0.2% of the transaction value when paying by debit card and 0.3% of the transaction value when paying by credit card. Other commercial cards are not regulated and the fee may be higher
Fee for card companies
Or Scheme Fee. This fee is charged by Visa or Mastercard, depending on which card the customer pays for you. It consists of a percentage commission from the transaction and a fixed amount.
More informations
This fee changes to the type of card used, namely Credit, Debit, whether it is Visu or Mastercard. The amount of this fee is determined by the card companies Visa and Mastercard without regard to Solitea Pay and can therefore be changed by these card companies.
What is the fee for the issuing bank and card companies at Dotypay?
| Consumer cards regulated | Exchange fee (Interchange) |
| VISA Credit | 0,30% |
| VISA Debit | 0,20% |
| Mastercard Credit | 0,30% |
| Mastercard Debit | 0,20% |
| Maestro Credit | 0,30% |
| Maestro Debit | 0,20% |
| Unregulated cards | Exchange fee (Interchange) |
| VISA | actual fee |
| MasterCard | actual fee |
| Maestro | actual fee |
/ 
| Card issued in | Schema | Card type | EUR | % |
| Czech Republic | Visa | Debit | 0,008 € | 0,0100% |
| Czech Republic | Visa | Credit | 0,008 € | 0,0140% |
| Czech Republic | MasterCard | Debit | 0,010 € | 0,0965% |
| Czech Republic | MasterCard | Credit | 0,010 € | 0,0965% |
| Czech Republic | Maestro | Debit | 0,010 € | 0,0965% |
| European Union | Visa | Debit | 0,017 € | 0,0100% |
| European Union | Visa | Credit | 0,017 € | 0,0140% |
| European Union | MasterCard | Debit | 0,010 € | 0,1415% |
| European Union | MasterCard | Credit | 0,010 € | 0,1415% |
| European Union | Maestro | Debit | 0,010 € | 0,1415% |
| Other states | Visa | Debit | 0,108 € | 0,4640% |
| Other states | Visa | Credit | 0,108 € | 0,4640% |
| Other states | MasterCard | Debit | 0,215 € | 0,5465% |
| Other states | MasterCard | Credit | 0,215 € | 0,5465% |
| Other states | Maestro | Debit | 0,215 € | 0,5465% |
Example
Standard MasterCard payment card
Your customer wants to pay CZK 1,000 for their purchase. Own MasterCard debit card issued to a personal account with your bank.
How much do you pay for a transaction through the terminal?
Dotypay
0,99%
Customer bank
0,20%
MasterCard
0,0265% + 0,28 Kč
So you pay for this transaction